Perks+ Checking
Earn interest on your balance and get great perks—cell phone protection1, 2, 24/7 telehealth1, 3, roadside assistance1, 2, and more.
Our MVP—this checking account goes above and beyond
Benefits that pay for themselves
For only $6.95/month, get all the benefits of regular checking plus incredible money-saving extras.
Get paid up to two days early4
When you receive direct deposits to your account, you’ll get paid as soon as your money is available—up to two days early.
Earn dividends on your balance
Kick back and relax—your money’s working for you. Your Perks+ balance grows hands-free with one of the best checking rates we offer.
Credit monitoring tools & identity protection1
Stay on top of your credit with score insights, and protect your identity with fraud monitoring, dedicated support, and up to $10,000 in identity restoration reimbursement.
Cell phone protection1, 2
Use your Perks+ Checking to pay your cell phone bill and protect your phone against breaks and theft up to $600 per claim ($50 deductible applies).
Telehealth benefits1, 3
Access to 24/7 video or phone visits with licensed providers ready to help with physical or mental health concerns for you and your family with no copay.
24/7 roadside assistance1, 2
24/7 service (where available) and free to use, up to $100 per eligible occurence. Coverage includes lockouts, flat tires, battery service, towing, and more.
Travel & leisure discounts1
Whether you’re shopping locally or touring the country, your Perks+ Checking account helps you save on travel, shopping, dining, and more.
On-the-go savings
View your benefits anytime, anywhere. Download the Georgia's Own Perks+ app in the App Store® or Google PlayTM.
Identity theft support & credit tools
Go beyond your balance with IDProtect® and identity theft monitoring and resolution tools1—included with Perks+ Checking. Your future self will thank you.
- Credit File Monitoring1, 5, 8 – Daily credit file monitoring and automated alerts about key changes to your credit report
- Credit Report and Score1, 5, 8 – Access to your credit report and credit score
- Credit Score Tracker1, 5, 6, 8 – Receive valuable insight into factors affecting your credit score
- Credit Score Coach1, 5, 7, 8 – Reach your credit score goals with educational pathways designed to help you get there
- Dark Web Monitoring1, 8 – Monitor your personal information on the dark web and receive alerts if it’s detected online
- Fully Managed Identity Theft Resolution Services1 – Access to a dedicated fraud specialist assigned to help guide you through the identity restoration process
- Identity Theft Expense Reimbursement Coverage1, 2 – Up to $10,000 to cover eligible expenses associated with restoring your identity
Accessing your benefits
Already a Perks+ Checking member? Here’s how to access and view your benefits:
- Log into online banking
- Click “Benefits & Rewards” in the top navigation menu
- Click “Perks+ Benefits”
- For benefits requiring registration, authentication, or activation, select the benefit tile and follow the prompts to get started
- Repeat the steps above for each joint accountholder
Don’t have online banking? Sign up online or download the Georgia’s Own mobile banking app from the App Store® or Google PlayTM and follow the steps to enroll your account.
If you have questions about your benefits or need help with registration or activation, call the Benefits Service Center at 866.210.0361 (Mon–Fri, 8:30am–5:00pm ET).
Checking FAQs
Eligible Georgia’s Own members can apply for a Perks+ Checking account, subject to account opening requirements and approval.
There are five ways you can qualify for membership:
- By residence or employment within certain counties in metro Atlanta, Southeast Georgia, Southwest Georgia, Augusta, and Savannah
- Credit Union Impact Foundation membership
- Past or present Georgia State University enrollment or employment
- Relation by blood, adoption, or marriage to a current Georgia’s Own Credit Union member
- Premier Partner employee or retiree.
Visit our membership page to see if you qualify.
No. If you have an eligible Perks+ Checking or All Access Checking account with qualifying direct deposits, Early Direct Deposit is already included. If you do not currently have direct deposit to your Perks+ Checking or All Access Checking account, you’ll need to complete your employer or payment provider’s direct deposit enrollment process. Once established, eligible deposits may qualify for Early Direct Deposit.
It could take up to 90 days after you set up direct deposit before Early Direct Deposit is available. Enrollment and timing may vary depending on your employer, payroll provider, and payment type. You must have an eligible Perks+ Checking or All Access Checking to receive Early Direct Deposit.
Eligible direct deposits may include: salary, Social Security, pension, military, and VA payments. Certain other ACH deposits to your account may also be eligible for early availability. Early Direct Deposit is only available on Perks+ Checking and All Access Checking accounts.
No. Early Direct Deposit is an automatic feature of Perks+ Checking and All Access Checking accounts that receive qualifying direct deposits.
Check out our other accounts
All Access Checking
The vanilla ice cream of spending accounts. Easily manage your cash with no balance or deposit minimums.
Resolution Checking
Get a clean slate (and get smart about your money) with this special account, offering a fresh start to members who need a financial reset.
Student Access Checking
Our Student Access account offers checking and special benefits for members ages 13-17, who are starting out on their journey toward financial independence.
Learning Center
Go beyond banking with resources and news to learn how to make informed financial decisions.
How to budget for pet ownership
What’s the safest way to pay: check or debit card?
What is a certificate of deposit and is it right for you?
Benefits are available to Perks+ Checking primary and joint account owner(s), subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a “signer” on the account who is not an account owner, or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Eligibility and availability may vary and are subject to verification and program limits. See the Benefits Reference Guide for more details.
Special Program Notes: The descriptions on this page are summaries only and do not include all terms, conditions, and exclusions of the benefits described. Please refer to the Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Insurance products are not insured by the NCUA or any federal government agency, not a deposit of or guaranteed by the credit union or any credit union affiliate.
Available for the primary accountholder, their spouse/domestic partner, and up to six (6) dependent children age two and older. This is not insurance. Registration/activation required.
Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to two (2) days earlier than the scheduled payment date. Click here for FAQs.
Credit score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. Access to a credit report through this benefit is separate from the free annual credit report available under federal law through annualcreditreport.com.
Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
Credit Score Coach is for educational purposes only and is not tied to your personal credit profile. The Score Pathways provided are based on the VantageScore® 3.0 model using Equifax data. VantageScore 3.0 is one of many scoring models, and the score provided may differ from those used by lenders, including FICO® scores. It is unlikely this score, or any free score, will be used for loan decisions. Score Pathways reflect common actions taken by consumers in similar situations to improve their credit scores. These pathways are based on statistically common behaviors and time horizons but are not tailored to your specific credit profile.
Requires additional registration/activation.
